As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
Deep dive into Credit Card
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Fee and card dispatch
Benefits
Reward points
Card Usage
International Helpline
Airport Lounge
Offers
Credit Limit
The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
•You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
•You can also pay the Joining Fee of ₹5,999 + GST by clicking here
•On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
Once your Mayura Credit Card application is approved, upfront Joining Fee payment of ₹5,999 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here
•As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.
•On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here .
•Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here .
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App
On payment of joining fee, the metal credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.
On payment of joining fee, you can earn up to 12,000 reward points as a joining benefit. These are awarded in three parts:
• 4,000 reward points on successful payment of the joining fee
• 4,000 reward points on net spends of ₹20,000 or more in your 2nd statement cycle
• 4,000 reward points on net spends of ₹20,000 or more in your 3rd statement cycle
The benefit is available only once per customer. If you close the card and reapply, you will not be eligible for the benefit.
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.
If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards
Yes. You will earn:
- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.
- 5X reward points on spends till ₹20,000 in a statement cycle.
- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions. 1 reward point on utilities and insurance transactions. Spends in these categories will not be considered for 10X monthly milestone.
- Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.
- 1X reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25.
Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges.
Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation
The Mayura Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card is active.
The Mayura Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, you can visit the offers website
The Mayura Credit Card provides ZERO forex markup. Spend without paying extra fees while travelling abroad as well as on international purchases made from India.
Yes. With Mayura Credit Card, you can enjoy:
- 4 complimentary visits per quarter to airport lounges at airport terminals in India. Also, 1 guest visit per quarter to Indian airport lounges is included in the overall benefit. Use your credit card to access Indian airport lounges.
- 4 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link
To view the list of airport lounges, click here
The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
As part of Mastercard World privileges, you get 4 complimentary golf rounds and 12 complimentary golf lessons per calendar year (not more than 1 round/lesson in a single calendar month). Click here to book the visit.
Additionally, you can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.
Yes, you can! All ATM cash withdrawals are interest-free for up to 45 days – in India or abroad. Please keep in mind that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
You will receive 7,500 reward points when you cross ₹8,00,000 in spends or 15,000 reward points when you cross ₹15,00,000 in spends in a card anniversary year. The reward points will be credited on paying the annual fee for the next year.
Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone including the EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.
The reward points will get credited upon statement generation.
Using the Mayura Credit Card, you get a buy-one-get-one movie offer with up to ₹500 off on the second ticket, twice a month. Starting 1st July 2025, use District by Zomato App to book ticket. Till 30th June 2025, you can use BookMyShow to book tickets.
The Mayura Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, you can visit the offers website
Yes. With Mayura Credit Card, you can enjoy:
- 4 complimentary visits per quarter to airport lounges at airport terminals in India. Also, 1 guest visit per quarter to Indian airport lounges is included in the overall benefit. Use your credit card to access Indian airport lounges.
- 4 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link
To view the list of airport lounges, click here
The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
•The Mayura Credit Card by IDFC FIRST Bank is a premium metal card that offers exceptional benefits tailored for frequent travellers. With a 0% forex markup fee on international transactions, it offers significant savings on global spending. The card also offers interest-free global ATM cash withdrawals for up to 45 days, making it a more convenient and secure alternative to forex cards or cash. While there is a one-time ₹199 (+GST) transaction fee per ATM withdrawal, it remains a practical solution for accessing cash abroad.
•Travellers can enjoy 4 complimentary visits to domestic airport lounges or spas per quarter, including 1 guest visit to domestic lounges. For international trips, the card offers 4 complimentary lounge visits per quarter, providing comfort and luxury between flights.
•Additionally, the Mayura Credit Card includes a no-questions-asked Free Trip Cancellation Cover of up to ₹50,000, protecting the non-refundable portion of hotel and flight cancellations. Comprehensive travel insurance, with coverage up to USD 1,200, ensures protection against luggage loss, flight delays, etc. enhancing travel peace of mind.
•The Mayura Credit Card combines convenience, security, and premium travel perks, making it an ideal companion for frequent travellers.
The Mayura Credit Card by IDFC FIRST Bank offers several advantages over traditional forex and multi-currency cards, making it a superior choice for global travellers:
1.0% Forex Markup Fee: Unlike most forex and multi-currency cards that may include hidden charges or unfavourable exchange rates, the Mayura Credit Card offers a true 0% forex markup fee, ensuring cost-effective international transactions.
2.No Pre-Loading Hassle: Forex and multi-currency cards require pre-loading specific currencies, which involves additional hassles. The Mayura Credit Card eliminates all this, allowing seamless transactions in any currency without advance planning.
3.Interest-Free Global ATM Cash Withdrawals: The card allows interest-free global ATM cash withdrawals for up to 45 days, providing flexibility and convenience, especially when you need cash on the go. While there is a ₹199 (+GST) transaction fee, it’s still a practical option compared to the fees associated with managing physical cash or reloading a forex card.
Additionally, this metal card includes premium travel perks like complimentary domestic and international lounge visits, trip cancellation cover of up to ₹50,000, and travel insurance, which are typically not available with forex cards. The Mayura Credit Card is a seamless, cost-effective, and rewarding choice for global travellers.
In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152
The Mayura Credit Card offers a premium reward program where each Reward Point is worth ₹0.50 on travel bookings via IDFC FIRST Bank mobile app. Here are the details:
• Earning on regular spends:
• 5X Reward Points on spends up to ₹20,000 in a statement cycle spends (1X = 1 Reward Point per ₹150)
• 10X Reward Points on incremental spends above ₹20,000 in a statement cycle and your on birthday spends
• Bonus rewards on travel bookings via the IDFC FIRST Bank app:
• Hotels – 50X Reward Points
• Flights – 30X Reward Points
Capped at 25,000 bonus Reward Points per month.
• Earning on other categories:
• Rent, education, wallet loads, government payments – 3X Reward Points
• Utilities and insurance – 1X Reward Points
• Fuel, EMI conversions, fees & charges (incl. GST), loan on card, balance transfers, cash withdrawals, and transactions below ₹150.
Note: These categories do not count towards the ₹20,000 accelerated rewards threshold.
• Redemption rules for travel bookings:
• 1 Reward Point = ₹0.50 on travel bookings
• Points can be used for up to 70% of the booking amount (balance payable by card)
• Monthly redemption capping: 1,50,000 Reward Points (₹75,000 value)
• Annual redemption capping: 3,00,000 Reward Points (₹1,50,000 value)
• Redemption rules for other options:
• 1 Reward Point = ₹0.25 for purchasing gift voucher, products via Travel and Shop Section on IDFC FIRST Bank mobile app and for “Pay using reward points” on select online transactions